Who is the Management Company?
HLG Unit Trust Bhd. It is a wholly owned subsidiary of Hong Leong Capital Bhd and a member of the Hong Leong Group. HLG Unit Trust Berhad was incorporated on 5 October 1994 and is an exempt fund manager under the Securities Industry Order 1997 of the Securities Industry Act 1983. In November 1996, it was appointed by the Ministry of Finance as one of a number of approved fund managers under the EPF Contributor’s Investment Scheme.

Who is the External Investment Manager?
HLG Asset Management Sdn Bhd. It is a subsidiary of public-listed HLG Capital Bhd which is also a member of the Hong Leong Group. Our professional investment manager, with their proven track record in fund management, are well qualified to oversee your investment.

Who are the Trustees of the Funds?
	PB Trustee Services Berhad for HLG Growth Fund
	AmTrustee Berhad for HLG Penny Stock Fund, HLG Blue Chip Fund, HLG Dana Makmur, HLG Dana Maa’rof, HLG Dana Munir, HLG Dividend Fund and HLG Strategic Fund.
	Universal Trustee (Malaysia) Berhad for HLG Sectoral Funds, HLG Bond Fund and HLG Balanced Fund.
	HSBC (Malaysia) Trustee Berhad for HLG Institutional Bond Fund, HLG Asia-Pacific Dividend Fund , HLG Global Healthcare Fund and HLG European Dividend-Growth Fund
	UOB Trustee (Malaysia) Bhd for HLG Star Portfolio Fund and HLG Asia-Pacific Infrastructure Fund.
	Mayban Trustees Berhad for HLG Global Resources Income Fund.
	BHLB Trustee Berhad for HLG Global Lifestyle Balanced Fund, HLG Islamic Income Management Fund, HLG Asia-Pacific Property Income Plus Fund, HLG Global Value Fund, HLG Vietnam Fund, HLG Diversified Strategic Fund, HLG Fixed Income Holdings Fund, HLG Global Bond Fund, HLG Star Select-Capital Protected, HLG GEM Resources Strategic Fund, HLG GEMS Cash Plus Fund and HLG Shariah Inflation Select Fund.

What Happens If I Change My Mind Shortly After I've Invested? The Fund has a "cooling off" period of 6 business days whereby you as a unitholder can redeem your Fund at the prevailing Manager’s quoted buying price or NAV without any deduction for service or other fees. The refund for every unit held by the unitholder will not be less than the sum of:
	The higher of the NAV or buying price per unit on the day the cooling-off right is exercised; and
	The service charge per unit originally imposed on the day of the purchase.
In the case of a cheque purchase, the refund will be made within 10 days after the clearance of the cheque.

How Do I Redeem?
You can just fill out a redemption form and submit it at the respective financial institutions the Fund was purchased. However, for purchase made at HLG Unit Trust Bhd or through its Direct Fund Distributors (DFDs), you may submit the redemption form at any HLG Unit Trust Bhd branch, its DFDs or Hong Leong Bank branch nearest to you. It will be good if you have your account number with you as well. We will process your redemption within 10 business days whereby you’ll receive your cheque via mail.

Special Note for Hong Leong Bank and HSBC customers
For Hong Leong Bank customers (registered before September 6 2004) and HSBC Bank customers (registered before August 6 2004), you may submit your redemption form at the following:

Customer type*	Submit redemption at:
Consented customers*	At Hong Leong Bank or HSBC Bank respectively
Non-consented customers	At Hong Leong Bank or HSBC Bank respectively; or any HLG Unit Trust Bhd branch nearest to you

*Consented customers are customers who provided consent that their information be migrated from HLG Unit Trust Bhd to Hong Leong Bank / HSBC Bank.

What Happens If I Have A Complaint?
You can call up Hong Leong Bank (HLB) as they will channel your concerns to our Customer Service or you can call our Customer Service directly at 603-27332500 / 28. Our Customer Service will try to get back to you within 4 business days.

How Do I Know I'm Eligible For Investing In The EPF Scheme?
	Your Retirement Account (Account 1) must has a minimum of RM55,000;
	Age below 55 years old;
	Minimum withdrawal is RM1,000 with 20% of the excess amount of RM50,000 (Account 1) can be invested
	You can withdraw every 3 months from the last disbursement date.

How Do I Go About Withdrawing From My EPF Account?
	By completing and signing our EPF Authorisation Letter, your statement and the EPF investment form (Form KWSP 9F) can either be sent directly to you or through us for completion.
	On receiving your statement and the form, please give us a call to assist you in completing the application.
	The complete application consists of a copy of your IC, completed and duly signed HLG Unit Trust Bhd's fund application form, EPF statement and the completed KWSP 9F duly thumb-printed.